Welcome back to Modern Financial Wellness! In this episode, we dive into a topic that resonates with so many of us—how to navigate the overwhelming demands of the fall season and maintain productivity (and sanity!) as we approach the holidays and the end of the year. If you’ve ever felt a wave of anxiety triggered by the sight of Christmas decorations in October or the reminder that “Q4” is flying by, you’re not alone.

To help us work through these feelings and get practical strategies for this time of year, I was thrilled to welcome back Sarah Reiff-Hekking, founder of True Focus Coaching. Sarah’s expertise in time management, productivity, and coaching for busy professionals is a perfect fit for the “fall freakout” that so many of us experience.

We started the conversation with a real-life example—my own mini-panic at seeing Christmas decorations in a store before Halloween—and explored what triggers this seasonal overwhelm. Sarah broke down the unique pressures of fall, from shifting routines as kids go back to school, to the barrage of holidays and year-end work deadlines, and the added layer of economic and political uncertainty.

Together, we discussed how to bring ourselves back to the present moment, clarify what’s truly important, and create space for both productivity and meaningful connection. We touched on saying “no,” managing competing demands and external expectations, and setting up flexible routines so the holidays don’t just become one giant stress-fest.

Sarah shared actionable strategies—from mindful breathing to practical time blocking—to help listeners stay grounded, focused, and resilient. We wrapped up with advice on tuning out the social media “noise” and focusing on real, personal priorities.

Key Takeaways

1. Name the “Fall Freakout” and Normalize It
2. The sense of stress and overwhelm in October and November isn’t just you—it’s a confluence of shifting routines, holiday expectations, and mounting year-end pressure. Acknowledging this helps us respond intentionally rather than reactively.
3. Return to the Present Moment
4. When anxiety kicks in, the first step is to physically bring yourself back—to notice your breath, your feet on the ground, and where you are right now. Mindful grounding calms your nervous system and helps you regain focus.
5. Clarify What’s Meaningful and Important
6. Get clear on your most meaningful goals, both professionally and personally. If everything feels important, dig deeper and ask yourself: “Why do I care about this?” Prioritize your top 2-3 “big rocks” and let the rest go. Remember, not everything makes your cut.
7. Be Strategic About What You Say Yes (and No) To
8. You can’t (and shouldn’t!) do it all. Proactively decide how many commitments you’ll take on each week, leave room for spontaneity if you value it, and practice pausing before you say yes. Planning to delay a task isn’t procrastination if it’s intentional and fits your bigger plan.
9. Manage Your Environment and External Influences
10. Social media and retail environments can trigger “shoulds” and inject noisy expectations. Turn down the external pressure and lean into what’s genuinely important for you and your family. Don’t let comparison steal your joy—or your time.

If this episode resonated with you and you’re feeling ready for support, check out Sarah Reiff-Hekking at truefocuscoaching.com and connect with her on LinkedIn. She offers free strategy sessions designed to help you map your next steps and find clarity in your own life—no cost, just real advice.

Thanks for listening to Modern Financial Wellness. If you enjoyed this episode, subscribe and share it with friends who might be experiencing their own ‘fall freakout’—let’s get through the holidays with more calm, connection, and clarity!